The reward structure on the card is not very satisfactory for this to be called a good rewards credit card. Besides, it comes with a low rewards redemption value of just Rs. 0.20 for every reward point, along with a long list of exclusions including even common spending categories like movies. Thus, users seeking overall better reward benefits on most of their purchases might be disappointed.
Axis Bank
Axis My Zone Credit Card
Co-branded
Online Shopping
1st Year Fee: ₹500* Plus Applicable Taxes
Brand Discounts
Offers on Swiggy, Ajio, District & SonyLiv
Lounge Access
Up to 4 free domestic lounge visits per year
Dining Benefit
Up to 15% off on dining bills via EazyDiner
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About Axis Bank MY ZONE Credit Card
Axis Bank My Zone Credit Card is an entry-level card offering benefits across multiple lifestyle categories, such as shopping, dining and entertainment. With this card, you can avail discounts on popular websites, like Ajio, District and Swiggy, along with complimentary annual membership of SonyLIV. It is among the few low-fee credit cards that offer membership to an OTT platform along with a combination of rewards as well as multiple discount offers.
In addition to the brand discounts, this Axis Bank credit card also offers EDGE Reward Points on every card spend, but the reward earning rate is quite limited and without any accelerated savings. So, the discount feature stands as the main attraction for the consumers. Read on to know more about this card to see whether it would be the right fit for you.
Brand Discount Offers
- Swiggy: Rs. 120 off per order on food delivery order1 of min. Rs. 500, twice a month using the coupon code ‘AXIS120’
- District by Zomato: 100% off up to Rs. 200 per month on the 2nd movie ticket2 on District app using the coupon code ‘AXIS200’
- Ajio: Up to Rs. 1,000 off on select products on min. order value of Rs. 2,999 using the coupon code ‘AJIOAXISMZ’
- SonyLiv: Free SonyLiv Premium annual membership worth Rs. 1,499 on making the 1st card spend within 30 days of card issuance, renewable on spending Rs. 1.5 lakh in a year3
Other Features & Benefits
- Rewards Program
- Reward Rate: 4 EDGE Reward Points on every Rs. 200 spent
- Redemption Option: EDGE Rewards catalogue
- Exclusions: Spends made on movies, fuel, rent, insurance, utilities, jewellery, education, government institutions, wallet, and EMI transactions will not accrue any reward points.
- Lounge Access: 1 complimentary domestic lounge visit per calendar quarter on spending Rs. 50,000 during the previous 3 months.
- Dining Offer: Up to 15% off, up to Rs. 500, on dining bills of min. Rs. 2,500 via EazyDiner under the Axis Bank Dining Delights program, once per month.
- Fuel Benefit: 1% fuel surcharge waiver of up to Rs. 400 per month on fuel spends of Rs. 400 to Rs. 4,000.
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₹500 Plus Applicable Taxes
Lifetime free offer for select channels₹500 Plus Applicable Taxes
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Axis Bank MY ZONE Credit Card: Fees & Charges
| Particulars | Amount | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining/Annual Fee | Rs. 500+Applicable Taxes or Nil for select channels | ||||||||||
| Finance Charges | 3.75% per month (or 55.55% per annum) | ||||||||||
| Late Payments Fees |
|
Things to Know Before you apply
Get This Card If:
You do not mind a low rewards earning rate on your card spends and can maximise your savings through the available discount offers instead
Your frequently make purchases through the partner platforms - Ajio, Swiggy and District by Zomato, and your preferred OTT entertainment platforms include SonyLiv
You are looking for a card with all-round benefits spanning across spending categories that comes at a low annual fee
Similar Cards:
SBI SimplyCLICK Credit Card
HDFC MoneyBack+ Credit Card
HDFC Millennia Credit Card
YES Bank PaisaSave Credit Card
Paisabazaar Review
What do we like about this card?
This Axis card, while charging a low annual fee and even being offered as a lifetime-free card for select channels, offers decent value-back across different categories, like online shopping, food delivery, dining, OTT entertainment, and movies, on some of the leading online platforms. Even though SonyLiv membership renewal comes with a spend-based condition, it is easily achievable for any average spender. The dining discount and complimentary airport lounge benefits add to the total value-back you can accrue using this card.
Pros
- Discount offers on leading platforms like Swiggy, Ajio, and District by Zomato covering popular spending categories like food, shopping and movies
- Dining discount of up to 15% via EazyDiner
- Complimentary annual OTT subscription to SonyLiv with an easily achievable spending limit for renewal
- Up to 4 complimentary domestic airport lounge access per year
Cons
- Low reward rate without any accelerated categories and exclusion of lifestyle spends like movie tickets
- Capping on brand/platform discounts
Frequently Asked Questions
Everything you need to know about this credit card
No, you cannot earn reward points for movie, fuel and EMI transactions. However, you can avail a fuel surcharge waiver of 1%, subject to a maximum waiver of Rs. 400 per statement cycle. This fuel surcharge waiver is applicable on your transactions between Rs. 400 and Rs. 4,000.
Currently, this credit card is sourced through Paisabazaar, so you can simply fill in the details on the form available on this page to apply. Besides this, you can also apply for this credit card through the official website of the bank by filling out an application form. If you want to apply offline, then you have to visit any of the nearest branches of the bank and contact a bank official.
Yes, you can withdraw cash using your Axis Bank Credit Card at the time of emergency. There is a particular amount of cash that can be withdrawn at any given time, and the amount of withdrawable cash is within the credit limit. However, the bank charges a cash advance fee of 2.5% of the transacted amount for withdrawing cash via credit card.
The foreign currency transaction fee charged on Axis Bank My Zone Credit Card is 3.5% of the transacted amount. Therefore, this is not an ideal credit card for foreign currency transactions as it incurs high charges.
Yes, you can apply for this credit card even if you don’t have an account with the bank. However, you must meet the required eligibility criteria to apply for this credit card. The bank prefers to give credit cards to people who have a good credit score (preferably above 750+).
Footnotes
- Excluding Haldiram’s restaurants across India
- Movie transactions will not earn any reward points
- Offer valid for paid cards only
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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